Paying for IVF treatment can be challenging for many couples and individuals. The IVF expense is higher than people realize, which can leave someone scrambling for a way to pay for it. Still, the desire to conceive a child provides the motivation to find a way to bear the cost in USA. But how much will it cost? Is the price worth it? What can you do in order to reduce these costs?
The answer to that is not entirely black and white. The cost of IVF is not the same for everyone. For some people it might have quick results, making it more affordable – whereas some people may have to wait more for those results, making it more expensive in the long term. In this article, you are about to find out how those prices differ.
- How Much Does IVF Cost on Average?
- Fertility Clinics Payment Plans for IVF
- —- Zouves Fertility Center (Foster City, CA)
- —- Pacific Fertility Center (San Francisco, CA)
- —- Colorado Center for Reproductive Medicine (Lone Tree, CO)
- —- CNY Fertility Center (Syracuse, NY)
- —- Wisconsin Fertility Institute (Middleton, WI)
- —- Washington Fertility Center (Annandale, VA)
- —- IVFMD (Irving, TX)
- Reports for IVF Cost, Insurance and Financing in State
How Much Does IVF Cost on Average?
IVF fertilization procedures are done in cycles – and on average, an IVF cycle will cost around $12,000. Still, the prices depend on the clinic that you are going to. Some clinics may charge as little as $10,000 whereas other clinics can charge as much as $15,000. If you need additional cycles, you will pay around $7,000 for each one.
Bear in mind that these prices don’t include the medicine that you’ll have to use. These costs can be around $1,500 (the lowest price) and $6,000 (the highest price). This is why, on average, a couple can end up paying $20,000-$25,000 in order to conceive – and for each cycle, extra charges are added. Three cycles can add to as much as $33,000.
Services Included in the Basic IVF Treatment
To determine how much it will cost you to undergo IVF treatment, you first need to understand what the basic package provides. Here is what is generally included in the basic IVF treatment.
- Manipulation of Ovulation: Women will take drugs to control ovulation and preserve the eggs. Ovulation stimulation drugs will also increase egg production.
- Egg Retrieval: The woman will go through certain procedures to ignite the egg maturation. Once the medicine takes in effect, the retrieval of the egg will occur using an ultrasound-guided needle.
- Semen Washing: During the egg retrieval, men will also give their sperm specimen – one which will have to go through a certain “washing” procedure. The best sperm will be selected for fertilization, whereas the rest may be discarded or frozen.
- Growth of Embryo: Once the sperm and eggs are ready, the embryologists will proceed to create the embryo in the lab. They will incubate it for about 3 days before they proceed with implantation.
- Implantation: A viable embryo will be selected to be implanted directly in your uterus. A small tube will be used to get the transfer done. You will be sedated but will receive no anesthetic.
Every extra service included will bring with it an increase in costs.
Why Do IVF Costs Vary?
The answer to that is fairly simple: not everyone is the same. Each person has different physical requirements and may need a different IVF course. No IVF treatment is equal, which is why it is not uncommon for various costs to be applied.
The basic IVF is a baseline for the IVF procedure. However, depending on the genetic issue or fertility problems that you may have, you might need a completely different IVF journey compared to other people. For instance, if a couple is carrying a certain genetic disorder, they might turn to IVF to ensure the baby will not be born with the same gene.
In this case, the IVF process will also involve screening and PGD (preimplantation genetic diagnosis), which will test for the existence of that gene. Needless to say, that will add even more to the basic costs. This is only one special circumstance that might make the costs of IVF to vary.
If you choose to go for a surrogate or a sperm donor, this might also cause the price to bounce up significantly. Freezing your eggs so that you may use them later on could also greatly influence the price.
The costs of IVF might also vary based on the clinic that you are going to. Some clinics may have higher prices – whereas others offer better “bargains,” as they are called. It is not entirely possible to determine how much an IVF cycle will cost, mainly because there are too many factors at stake. The only thing we can get is an average price.
It is crucial that you understand your goals, budget, and boundaries before going for IVF. Be prepared for extra costs, and talk with your fertility specialist about what might influence these costs further.
Additional Costs that Can Be Associated with IVF Cycles
When determining the IVF cost, you need to bear in mind that some extra procedures might add to the basic package cost. Talk with your fertility specialist, and determine whether you need the following or not:
- Egg Donation
Some women cannot get pregnant simply because they no longer have any viable eggs – or if they have, those eggs are compromised. In this case, the doctor might recommend that you use an egg donor since it will give you a higher chance of getting pregnant.
At the same time, the costs of egg donation are among the highest ones associated with IVF. These costs can be as low as $25,000 and as high as $30,000 – which is why it is only chosen if there is no option left.
- Sperm Donor
If the fertility problem comes from the male in the couple, then you might want to go for sperm donation. Using a sperm donor is not as expensive as using an egg donor – but it might still kick up the costs anything from $200 to $3,000. It can lead up to anything from $12,000 to $17,000 per IVF cycle.
- Embryo Donation
As surprising as it might seem, embryo donations are perhaps among the least expensive options to go for. It can be even cheaper than the average IVF treatment, mostly because the person in cause does not have to go through so many complicated treatments.
To put it in terms of cash, an embryo cycle can cost someone anything from $5,000 to $7,000. This is only in the circumstance that the embryo has been created already. If you choose a sperm donor and an egg donor to match for your specific cycle, then it might get quite expensive.
- ICIS Treatment
ICIS (intracytoplasmic sperm injection) is a technique that involves directly injecting one sperm cell into the egg. This procedure aims to tackle one major problem: male infertility.
With normal IVF, the sperm is left to fertilize the egg naturally – whichever manages to push through first. However, when the sperm count is extremely low, this procedure will allow the egg to fertilize without wasting any sperm.
This treatment usually shows great success for couples that cannot get pregnant using standard IVF treatments, with the basic package. However, it can raise the price tag with quite a decent sum. Generally speaking, IVF can cost you anything from $1,400 to $2,000
- Blastocyst Culture
The blastocyst culture is a technique in which an embryo is being cultured in a lab for an extended amount of time. Usually, an embryo that is not implanted after 3 days will go through a freezing process – to preserve the egg for later.
However, in some cases, the embryo continues to be cultured outside the womb for 5 days. These two days will cause 30-40% of the embryos to develop into formations called “blastocysts.” To put it in simple terms, blastocysts are embryos that have matured more.
Many doctors prefer to implant blastocysts, due to the fact that they can better analyze the embryo. They can get a better image of the strength of a particular embryo, and they can decide which one is more suitable for transfer. By waiting for two more days, they will be able to see which embryo is most likely to implant in the uterus.
For this technique to be done, the patient must have at least 4 fertilized eggs that have reached normal development by day 3. Normally, clinics won’t charge for blastocyst culture, as they prefer to do it themselves to be certain of the success. However, there will still be some clinics that will charge for a fee as low as $175.
- Preimplantation Genetic Diagnosis & screening (PGD/PGS)
In some cases, parents with certain genetic disorders may be at risk of passing the condition to the child as well. However, the PGD/PGS test is a genetic screening that will detect any chromosomal disorders or genetic diseases before the embryo is even implanted.
Patients who are known to be carriers of certain conditions may choose to take the risk away by using the PGD/PGS test. This way, they will ensure that the transferred embryo will grow up to be a healthy baby.
The PGD/PGS test can also determine the gender of the baby before the embryo is even implanted – so, if a couple wishes to have a boy or a girl, they may choose to implant a certain embryo. On average, this procedure may cost patients an extra $4,000-7,500 extra to the main costs of the IVF procedure.
- Embryo Freezing
More often than not, during the first IVF cycle, there will be more than one embryo created – other than the ones that have already been implanted. If a patient ends up with extra embryos, they may choose embryo freezing in an attempt to preserve the embryos for the future. This is also done to mitigate any ethical or moral hesitations that are associated with the disposal of embryos.
Couples who do not want to undergo IVF again may choose to donate the remaining embryo. The survival rate of embryos through the freezing process is 90%, and the average cost for freezing the embryo is $2,000.
- Frozen Embryo Storage
A frozen embryo will need some place to live – and one can’t really just throw it in their home freezer. For the egg to remain viable, it must be stored in correct conditions – which is in a lab. Most fertility clinics will provide storage for those who need it, and the price is around $350-$1,000 per year.
- Frozen Embryo Transfer (FET)
A woman who chooses to freeze her embryos after a “fresh” IVF cycle can use them in a subsequent FET cycle. Using a frozen embryo in IVF cycles is usually cheaper, taking about $2,000 off the price of a fresh cycle.
- Sperm Freezing
If a man is at risk of infertility, they may opt for sperm freezing – also referred to as “sperm banking” – as a method of conceiving a child. On average, the costs of sperm collection, followed by freezing and storage will cost you less than $1 per day. Here, the initial screening, banking as well as cataloging the procedure will cost you $550 – with the additional specimens that were banked costing you $300 (including one year’s worth of storage).
Estimate IVF Cost In USA Using a Calculator
The Internet makes it fairly easy to get a roundabout IVF cost estimate. You can use an IVF Cost Calculator to help you better understand how much IVF cost, and play with a variety of options.
Our IVF Cost Calculator has a walkthrough, step-by-step calculator online. Use this free calculator and find out how much it will cost in USA. It can estimate one cycle IVF cost and two IVF cycle cost including donor, surrogate, FET, ICSI, PGD/PGS and freeze embryos cost in person options.
Does Insurance Pay for IVF Costs?
Before you panic over the prices, bear in mind that there are cases in which you can obtain coverage for the IVF costs. Granted, you can’t get it everywhere – and in most cases, the insurance is only partial.
Still, there are some states where you may be entitled to coverage – at least 15 of them. Here are the following states where you may certainly get coverage:
- New Jersey
- New York
- Rhode Island
- West Virginia
Each of these states will provide a certain degree of coverage for IVF treatments – but it will vary greatly depending on the state. Even if your state does not provide general coverage, you might still be eligible for insurance as an extension to a certain diagnosis.
Either way, your insurance provider (or employer) should be able to give you your coverage information and will tell you in which category you fall:
- No infertility coverage
- Infertility diagnosis that has received insurance coverage
- Infertility diagnosis and limited treatment that has been covered by insurance
- Full infertility treatments that have been covered by insurance
- Insurance that only covers the medication – which may or may not include infertility drugs
Depending on the category that you were sent in, you may receive a certain amount of coverage. However, unless you receive full coverage, you will be required to cover the rest of the expenses out of your own pockets. If your partner also has male fertility issues, it may add to the sum – providing greater coverage.
Fertility Clinics Payment Plans for IVF
Many fertility clinics offer a variety of payment arrangements that you can choose from. This particular option works best for people who can pay for the treatment out of pocket, even if it means paying a little bit at a time. There are some payment plans of the fertility clinics in USA.
—- Zouves Fertility Center (Foster City, CA)
Egg Freezing Plans
|IVF with Delayed Transfer||$14,840|
|Donor Egg IVF or Surrogate IVF||$14,840|
|Donor Egg IVF and Surrogacy IVF||$12,285|
|Donor Egg IVF (Frozen eggs)||$9,630|
IVF Option Plan
|Women under the age of 38||$16,080|
IVF Financial Assistance Plan
—- Pacific Fertility Center (San Francisco, CA)
|Patients own eggs||$11,595|
|PFC agency donor eggs||$13,185|
|Outside agency egg donor||$13,710|
|PFC agency egg donor & gestational carrier||$14, 340|
|Outside agency egg donor & gestational carrier||$14,865|
Services covered in this plan include monitoring ultra sound and blood tests. Plus, anesthesia, 1 egg retrieval procedure and 1 embryo transfer procedure are also included.
IVF Refund Plan
This plan is for women for whom IVF is medically indicated. It is applicable to ovum donation but not gestational carriers. Pricing is as follows:
REFUND: *80%, **70%
|<30 years of age||$13,750||$11,000*own eggs|
|30-33 years of age||$15,350||$12,280*own eggs|
|34-36 years of age||$17,975||$14,380*own eggs|
|37-38 years of age||$18,250||$12,775**own eggs|
|donor <34 years of age||$15,225||$12,180*donor eggs|
—- Colorado Center for Reproductive Medicine (Lone Tree, CO)
Here is a look at an in vitro cycle expenses at CCRM. These cost are only applicable to Colorado location:
|work-up leading to the cycle- insurance coverage possible||$5,000|
|Medications required throughout the cycle||$5,800 -$10,800|
|IVF cycle including blood work and ultra sound. Ovarian stimulation, egg retrieval, embryo transfer and cost of surgical rooms||$14,922|
Cost breakdown for donor egg cycle is:
|first time donors||$34,996|
|known donor or agency donor||$26,775|
|medications prescribed throughout donor cycle||$4,500 to $8,500|
|work-up for recipient||$5,000|
Other services price at CCRM include:
|comprehensive chromosomal screening of six embryos||$ 6,225|
|appointment for new patient in office||$311|
|appointment for new patient via phone||$326|
|appointment for out of country new patient via phone||$377|
|extended re group||$234|
—- CNY Fertility Center (Syracuse, NY)
Affordable IVF Cycles Pricing
|Letrozole Cycle or Natural Cycle Monitoring||$700|
|(FSH) Injectable Cycle Monitoring||$825|
Fresh Egg Donor IVF Cycle Pricing
|6 fresh eggs- mature||$12,000 – Fresh Embryo Transfer|
|6 fresh eggs- mature||$9,000 – Freeze ALL Embryos|
|Extra eggs(mature) may be purchased||$2,000 for each mature egg|
Banked Eggs Donor IVF Cycle Pricing
|6 frozen eggs||$9,000|
|Extra frozen eggs may be purchased||$1,500 for each egg|
Embryo Donation Cycle Pricing
- Embryo Donation Fee is $3,000
Price includes 3 to 6 frozen embryos. Also included are oocyte and sperm donor testing.
Fertility Preservation Pricing
|Oocyte, Sperm and Embryo storage||$350 annually|
|Sperm freezing||$165 for every visit|
|6 banked eggs||$9,000|
—- Wisconsin Fertility Institute (Middleton, WI)
|New patient consultation||$250|
|Sperm DNA fragmentation||$200|
IUI and IVF prices
|IUI with fresh sperm||$350|
|IUI with frozen sperm||$275|
|IUI with oral medication||$600|
|IUI with injectable medication||$2,100|
|IVF with ICSI||$10, 120|
|Frozen embryo transfer||$3,670|
IVF Advantage Program
- IVF prime advantage program includes one egg retrieval and up to 2 transfers. The program costs $14,900.
- IVF ultimate advantage program includes 3 egg retrievals and all subsequent frozen embryo transfers. There is a 50% refund if patients do not conceive successfully during the program. This program spends $28,900.
—- Washington Fertility Center (Annandale, VA)
|Intra Cytoplasmic Sperm Injection||$1,990|
|Embryo Assisted Hatching||$1,490|
|Frozen Embryo Thawing and Transfer plus Embryo Assisted Hatching||$4,985|
|Natural IVF Cycle||$4,985|
|Shared Donor Egg Cycle||$14,900|
These services do not include any charges for lab services or diagnostic testing. Medication costs or anesthesia fee are also not covered.
IVF Baby Guarantee $19,900
Egg Donation Baby Guarantee $29,900
—- IVFMD (Irving, TX)
|IVF cycle without the cost of medications or anesthesia||$8,500|
|Egg banking cycle||$ 6,000|
|Frozen embryo cycle||$ 2,000|
|Frozen embryos yearly storage fee||$500|
|Frozen eggs yearly storage fee||$ 500|
IUI Costs at IVFMD
|Initial consultation||$ 180|
|Semen analysis||$ 80|
|Semen prep and IUI||$ 260|
|IUI with gender selection||$ 390|
IUI Cycle Costs
|Baseline sonogram||$ 150|
|Mid cycle sonogram||$ 150|
|IUI – sperm prep and insemination||$ 260|
|Cost of medication||$ 200|
Donor Egg Services Costs
- Known donors– approximate total can come up to $12,800
- IVFMD donors– approximate total can be around $20,200
- Agency donors– approximate total can be around $24, 400
So, on average, for a single round of treatment, the IVF cost could be between $12,000 and $15,000 in USA. It could be lower for you, depending on the success rate you’re willing to accept and the type of IVF you need or want to use.
Keeping in mind that, usually, more than one round of IVF is needed for pregnancy, factor in details regarding your circumstances – such as whether you need donor eggs or not, or whether you’ll be using a surrogate or not. These differences can equate to thousands or even tens of thousands of dollars. Most fertility clinics have a billing or finance specialist you can meet with to discuss your needs. For best financial results, keep your options open, be creative, and use all the IVF financing you have.